# DIRECT RATE HOME LOANS, INC

> **Canonical URL:** https://saferate.com/lenders/direct-rate-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


DIRECT RATE HOME LOANS, INC is a independent mortgage company, headquartered in COTTONWOOD HEIGHTS, UT, with 14 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 984500F5665613E36549
- **Headquarters:** COTTONWOOD HEIGHTS, UT
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** UT
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 14
- **Dollar Volume:** $6 million
- **Applications Received:** 27
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $418,571
- **Average Borrower Income:** $158,786
- **Average Property Value:** $582,857

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 10/100 | 12 | +0.256% | $2,540 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 15/100 | 13 | $6M | +0.356% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 14 | 0.03% | 55/100 |

## Frequently Asked Questions

### What loan types does DIRECT RATE HOME LOANS, INC offer?

DIRECT RATE HOME LOANS, INC offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does DIRECT RATE HOME LOANS, INC offer mortgages?

DIRECT RATE HOME LOANS, INC offers mortgages in 1 states: UT.

### What type of lender is DIRECT RATE HOME LOANS, INC?

DIRECT RATE HOME LOANS, INC is a non-depository lender that specializes in mortgage origination, headquartered in COTTONWOOD HEIGHTS, UT.

### What is DIRECT RATE HOME LOANS, INC's loan approval success rate?

DIRECT RATE HOME LOANS, INC has a pull-through score of 28/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/direct-rate-home-loans

### How to Cite

> "DIRECT RATE HOME LOANS, INC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/direct-rate-home-loans

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